I evolved to fingerpicking from arpeggios on simple chord progressions. Usually the three lowest strings are the territory of the thumb, and the upper 3 got one finger each. After getting bored with that structure, I started emphasizing the melody notes of the chord and filling in the runs in the melodies - but most often I still keep the 3 fingers (I don't use the right pinky hardly at all)on the top 3 strings. Works OK for me, but probably not the "best" way to learn.

For what you're doing, Mary, if it works don't worry about it (I almost said "don't fret", being 'Merican who grew up in Oklahoma, but I figured I'd skip the pun)

However, if you want to do arpeggiated chords amongst the melody picking (kind of the opposite of my progression), at some point you might want to bring in the ring finger to fill out the chord a bit more.